Better register

• US 20040236678A1
• Filed: 05/13/2004
• Published: 11/25/2004
• Est. Priority Date: 05/24/2003
• Status: Abandoned Application

• Current Assignee: Beverly Jane Johns, Richard Harold Krukar
• Original Assignee: Beverly Jane Johns, Richard Harold Krukar
• Inventors: Johns, Beverly Jane, Krukar, Richard Harold
• Application Number:
  US10/845,376
• Publication Number:
  US 20040236678A1
• Time in Patent Office: Days
• US Class Current: 705/38
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

A financial data tracking tool incorporating 10 tools is presented. The 10 tools include 4 ledgers, a budget tracker, an account information tracker, a balance tracker, an automatic payment reminder, a bill tracker, and a life energy tracker. An important feature of the invention is that it is easy to carry while still incorporating all 10 tools. The specific embodiment of the invention can be a printed booklet or computer software running on hardware such as a cell phone.

Claims

1. A financial data tracking tool comprising:

an information tracker for recording loan or credit account information;

a balance tracker wherein periodic balances are recorded for the accounts referenced in the information tracker;

a bill tracker wherein the due dates for bills are recorded;

an automatic transaction reminder wherein the transaction dates for automatic financial transactions are recorded;

at least one checking account ledger wherein financial transactions involving a checking account are recorded;

a cash account ledger wherein financial transactions involving actual currency on hand are recorded;

at least one savings account ledger wherein financial transactions involving a savings account are recorded;

at least one credit cards and loans account ledger wherein financial transactions involving credit cards and loans are recorded;

a budget tracker wherein transactions recorded in a ledgers are also assigned to a budget category; and

a life energy tracker wherein the transactions recorded in a ledger, which are recorded in terms of money, are also recorded and tracked in terms life energy.

2. The financial data tracking tool of claim 1 wherein the ledgers, budget tracker, and life energy tracker are combined into a single tabular display.

3. The financial data tracking tool of claims 1 and 2 wherein the tool is instantiated by printing on at least one sheet of paper or similar printable material.

4. The financial data tracking tool of claim 3 wherein multiple sheets are printed and bound together to form a single unit.

5. The financial data tracking tool of claims 3 and 4 wherein no more than one checking account ledger, no more than one savings account ledger, and no more than one credit cards and loans ledger are instantiated.

6. The financial data tracking tool of claim 1 wherein some or all of the information is entered into, stored in, and retrieved from a computer database.

7. The financial data tracking tool of claim 6 wherein some or all of the information is shared between two or more devices.

8. The financial data tracking tool of claims 6 and 7 wherein some or all of the information is encrypted.

9. The financial data tracking tool of claims 6-8 wherein some or all of the information is entered and displayed using a graphical user interface.